Investments & Pensions

Professional pension and investment advice

For all your investment and pension related queries, contact our team at Michael Williams Financial Services Ltd in Evesham.

Investments

It is our role to help you choose the right investments in order to help you meet your objectives. What you need to give some thought to is what those objectives are. This is an area in which compromise and self-understanding are essential.
Most people want investments which are safe, in the sense that they cannot fall and which offer high returns. This ideal combination is not available. Beware of anyone who claims otherwise. Sensible investment planning revolves around understanding what your investment aims are.
 
Broadly speaking, the longer that your investment is to be left alone (e.g. for retirement), the higher level of short-term risk that is acceptable. If however, the money is needed in full in the near future (e.g. for a house deposit) then short-term safety is essential.
 
In short, our team will help you determine an investment strategy appropriate for your needs, by using the products best suited to your risk philosophy, capacity for loss and tax position.
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Investing for your retirement

Pensions are financial plans whose purpose is the provision of money in retirement. In our experience, few people regularly review their pension contributions or investment strategy. After a review, many people are surprised to find how low their expected pension will be and in most cases are disappointed with the performance of the pension plan. However, we can help you assess your expected pension and, if it appears to be too low for your needs, look at ways to increase your income in retirement by means of regular reviews and an investment strategy that suits your risk philosophy. It may also be worthwhile to consolidate existing pensions into one plan to take advantage of large fund discounts and lower charges which are available with some pension providers.


Investments - Past performance is no indication of future performance. The value of investments and the income from them may fall as well as rise and is not guaranteed. An investor may not get back the original amount invested. The tax treatment of a particular investment depends on the individual circumstances of each investor and may be subject to change in the future.


Retirement benefits
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Contact us at Michael Williams Financial Services Ltd in Evesham on
01386 422 461 for reliable pension advice.
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